# GUARDIAN SAVINGS BANK
WEST CHESTER, OH · FDIC certificate 27998 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *fortress*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $1.39B | |
| Deposits | $1.23B | |
| Loans and leases | $1.09B | |
| Total equity | $158.0M | |
| Loans / deposits | 88.06% (p53 of band) | 87.10% |
| Liquid assets / assets | 18.37% (p38 of band) | |
| Uninsured deposits / deposits | 13.70% (p7 of band) | 30.76% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p6 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 11.39% (p67 of band) | 10.50% |
| Unrealized securities loss / equity | 0.00% (p98 of band) | -7.75% |
| AOCI / equity | 0.00% (p77 of band) | |
| ROA (annualized) | 2.00% (p88 of band) | 1.26% |
| Net interest margin | 2.99% (p15 of band) | 3.70% |
| Efficiency ratio | 47.18% (p17 of band) | |
| Noncurrent loans | 0.20% (p23 of band) | 0.51% |
| Net charge-offs (annualized) | 0.00% (p11 of band) | |
| Reserve coverage of noncurrent | 536.00% | |
| Real estate % of loans | 100% | |
| Construction % of loans | 19.29% (p17 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 3.6% | |
| Employees | 178 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 2 | NIM <2.5% |  |
| 2011-09 | 2 |  |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 1 |  | NIM <2.5% |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 2 | uninsured deposits leaving |  |
| 2013-03 | 1 |  | uninsured deposits leaving |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 2 | NIM <2.5% |  |
| 2014-06 | 2 |  |  |
| 2014-09 | 1 |  | NIM <2.5% |
| 2014-12 | 1 |  |  |
| 2015-03 | 2 | capital falling |  |
| 2015-06 | 1 |  | capital falling |
| 2015-09 | 1 |  |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 2 | capital falling |  |
| 2016-06 | 3 | NIM <2.5% |  |
| 2016-09 | 2 |  | capital falling |
| 2016-12 | 2 |  |  |
| 2017-03 | 1 | capital falling | reserve under noncurrent, NIM <2.5% |
| 2017-06 | 0 |  | capital falling |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 1 | liquid assets <10% |  |
| 2018-06 | 0 |  | liquid assets <10% |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | NIM <2.5% |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 2 | capital falling |  |
| 2021-09 | 1 |  | capital falling |
| 2021-12 | 1 |  |  |
| 2022-03 | 2 | uninsured deposits leaving |  |
| 2022-06 | 2 |  |  |
| 2022-09 | 2 |  |  |
| 2022-12 | 4 | deposits shrinking, assets shrinking |  |
| 2023-03 | 3 |  | NIM <2.5% |
| 2023-06 | 4 | loans exceed deposits, liquid assets <10% | assets shrinking |
| 2023-09 | 2 |  | uninsured deposits leaving, deposits shrinking |
| 2023-12 | 1 | capital falling | loans exceed deposits, liquid assets <10% |
| 2024-03 | 2 | NIM <2.5% |  |
| 2024-06 | 1 |  | capital falling |
| 2024-09 | 1 |  |  |
| 2024-12 | 2 | capital falling |  |
| 2025-03 | 2 |  |  |
| 2025-06 | 0 |  | NIM <2.5%, capital falling |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2025-12-02 [Cincinnati bank robbery suspect under arrest - fox19.com](https://news.google.com/rss/articles/CBMihAFBVV95cUxNMk5YU3o3dktvWFZ0V1dGMWliZXJBY0VyQ0tGM1FkcEhYRWk1WW0xYkMtNXE4MzYtUXh3ek5Cck5EQXNxRDhzWExaYnhnUmp1Q2FrZnlyNnF5cWlVcnAzSi12cGF6MG5jWkVyZHJuRnVKWVR0QV9QQkt5WDNWMlBab3otY3E?oc=5) · fox19.com
- 2025-12-02 [Palm print, marked bills help lead Cincinnati Police to suspected bank robber - local12.com](https://news.google.com/rss/articles/CBMi-gFBVV95cUxPTlBnaUZzYkVNNjVXVVV1dTJMRnhISF92RGxFaGhUV3V0LW1CMTFjODB1X2JtYTVtQWF3Z1U0TENvTnByaEdHcWVGc1pBN0c0ZWt0U1UyU1NrUVBnZldkc3h6MmdSN212dTlHcnBKclVYT09vQklyWHEwMl9kZ09mZU9HZUd4NVVfU1Rhd3BLRTAxSEkxZGRaYUVoaG5fODZHWEtpWk4xTEhZank3bjZUbUVra1FhT0ZxQkZqSXF6MnloYWoyU3lRWDhjRzlydlZpTnliWmxMUnhRTm9tVWd1dWlQc3VSS29xNGdKZW1lbzl2TU1ObG5CZHZn?oc=5) · local12.com
- 2025-12-03 [Court docs: Man arrested, accused of robbing west side bank with a gun - WCPO 9 Cincinnati](https://news.google.com/rss/articles/CBMipwFBVV95cUxNY0pDdEttZGtjQ2VvNlYzX1h3RGQ3bDZNUUUxcHVIbTBEZzNqQ0JpSDVrUmVuZWV5RmxUWjc3YW1NUmlJT3VlNFR0NXRva1ZuZUpDZFlCSzZuNmZyQTJ4c1R0WnlpTFJEWC1GMlcteWFwakpOeFpSSzJZZnJFVHFYaHJIakRwNlNrZ1V2UkxGRVNpNFRyVnNfcHY4Q1AwOXRkYnVHV2UyWQ?oc=5) · WCPO 9 Cincinnati
- 2024-06-11 [Business Spotlight: Guardian Savings Bank - townepost.com](https://news.google.com/rss/articles/CBMijwFBVV95cUxQT0RDZXc5OGpDRkNFaG9NOGhBUmsxTEtlTk9zVi1zQWY5bUU0TEdGelVNY0phVVhFSHFHRjJZR3NrUGRkcDM1RmI0S0FTU2FKbm96bW1veXU3SHZIVDB1a3FXaFlhX1ZEc3JPNWJlY3dTN2V1VlhpVWRJa2xVd1dPVmRndy04N3MwQ0JmZjFtbw?oc=5) · townepost.com
- 2024-05-12 [Community Partners Savings Bank to merge with Guardian Savings Bank - southernillinoisnow.com](https://news.google.com/rss/articles/CBMiX0FVX3lxTFBGLXNOSWRxOE5feWJaYnRkZjBTSWgxYXJhd2tfVTlzaEFZYUNvMEw3bXBpcFEta0NULVhGYnRlZnozRnhnX0FEaTJJTGtxbkhZNTZCaGtVQlBMU1h3YUVF?oc=5) · southernillinoisnow.com
- 2022-09-22 [Guardian Savings Bank names interim president - Cincinnati Business Courier - The Business Journals](https://news.google.com/rss/articles/CBMioAFBVV95cUxOc3JkLUdKclBGWmJEWnRDbnlWQ1FMQ3Yza0ZtNFRWTEZGcUx0OFRKUWk0dGF5NlkxSGFCNDhWM0xHai1OdXRLOGRnY3QwOUN0U2xhVjd6TG1aQzQ4SllJZEJ6b0JvWTNxemN0aTg4SFlEek9scGpLdVBxbk5SQjRkcEJIUW1uUzNkM3ZIVUVBcEl4VTZrZkpvYXF4eUlOS0FJ?oc=5) · The Business Journals
- 2018-08-03 [2 Cincinnati banks agree to pay $9M to settle biased lending claim - WLWT](https://news.google.com/rss/articles/CBMirAFBVV95cUxOVEJsLXJVcVhzclNoZWh2OTlZVTBRc05KZGZlZGhMYnNUTmQxRGJRLXhKR1U5UzlxRkVneV8wRWNyeXBYTGNmSWxTNGZTMUNHeUJlbnU1NlYyUGZyaG5feFRVc0M4UHlMOGNIQWtTVFdNUndndjlQRWtOSU5qejFWRkVFZmRoWXd3Vk5zSi1mcU94Tm9EbmFlVVl4aGd4R1B0RVJFbWQwUHMxbmh1?oc=5) · WLWT
- 2026-01-08 [Court docs: Man charged with robbing west side bank indicted for same-day murder - WCPO 9 Cincinnati](https://news.google.com/rss/articles/CBMi4AFBVV95cUxPNkpDbEFzLThOQkowWm1UbEhsaThuZUZLRzdvOEp0bG1RVTc1YWdCdU9Gcm1OeldrYmdXSnR1eFFSbGVVdHZpSGt3MFFHQ2VJMFhDcC1IMHhEbW5tRHBfSVNPVWt6VjVyeU5CUUpzNnF1VEx3dGRBTVZSLWlGbEx2YjVIV2h4R3ZRZFBqVjN5UFFQRW5qa09YZFNFU1BlSnpheHV5R19QQlM1WVpGYnZfLWpZZk9KSkJJVldoV0lzYi1nRHJ0QzF4R2JWNGlybkpYQmhQZXhCbzRiN0pjejNNbg?oc=5) · WCPO 9 Cincinnati

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=27998 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/30.json (key "27998", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide